The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$30,529
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$31,479
−HK$964/mo
Today · 4.125%
HK$32,443
baseline
▲ 0.50% · 4.625%
HK$34,418
+HK$1,975/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$64,886/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$502,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,963
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$34,874
−HK$924/mo
Today · 4.125%
HK$35,798
baseline
▲ 0.50% · 4.625%
HK$37,685
+HK$1,887/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$71,596/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$502,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,635
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$37,774
−HK$1,158/mo
Today · 4.125%
HK$38,932
baseline
▲ 0.50% · 4.625%
HK$41,301
+HK$2,369/mo
Deposit HK$5.36M · loan HK$8.03M · min. income ≈ HK$77,864/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$502,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,756
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$41,849
−HK$1,109/mo
Today · 4.125%
HK$42,958
baseline
▲ 0.50% · 4.625%
HK$45,222
+HK$2,264/mo
Deposit HK$5.36M · loan HK$8.03M · min. income ≈ HK$85,916/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$502,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,741
−HK$2,680/mo
▼ 0.25% · 3.875%
HK$44,070
−HK$1,351/mo
Today · 4.125%
HK$45,421
baseline
▲ 0.50% · 4.625%
HK$48,185
+HK$2,764/mo
Deposit HK$4.02M · loan HK$9.37M · min. income ≈ HK$90,842/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$502,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,549
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$48,824
−HK$1,293/mo
Today · 4.125%
HK$50,117
baseline
▲ 0.50% · 4.625%
HK$52,759
+HK$2,642/mo
Deposit HK$4.02M · loan HK$9.37M · min. income ≈ HK$100,234/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$502,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,952
−HK$3,446/mo
▼ 0.25% · 3.875%
HK$56,662
−HK$1,736/mo
Today · 4.125%
HK$58,398
baseline
▲ 0.50% · 4.625%
HK$61,952
+HK$3,554/mo
Deposit HK$1.34M · loan HK$12.05M · min. income ≈ HK$116,796/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,134
−HK$3,303/mo
▼ 0.25% · 3.875%
HK$62,773
−HK$1,664/mo
Today · 4.125%
HK$64,437
baseline
▲ 0.50% · 4.625%
HK$67,833
+HK$3,396/mo
Deposit HK$1.34M · loan HK$12.05M · min. income ≈ HK$128,874/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,066 · Scale 2, in force from 26 Feb 2026)